Shutters are first line of defense

No matter how well-constructed, a house without shutters or hurricane glass is not a smart place to stay in a storm. Without protection, windows can be smashed by flying debris. And once the wind gets inside the house, it can quickly splinter or tear off the roof.

If you don't have hurricane shutters or hurricane glass, it's a good idea to start shopping today, before the height of the storm season. Fueled by busy storm seasons and tougher building requirements, there already is a three- to six-week delay in shutter delivery and installation.

New shutters must be able to withstand winds of 130 mph and the blow of a 9-pound, 2x4 wooden stud traveling at 34 mph.

If your shutters predate building codes put into place after 1992's Hurricane Andrew, it doesn't necessarily mean you're in trouble. The pre-Andrew shutters may not be as strong as newer versions, but if they're good condition and used properly, they should provide adequate protection.

If you already have shutters, make sure they're working before the first storm of the season. Accordion shutters should be tested and lubricated. The bolts for panel shutters should be checked to make sure they aren't rusted or damaged.

Find out if homeowner association rules regulate the types of shutters that can be put on your home, or if local building codes require special permits to install shutters.

Original installation of most metal shutters requires a professional.

It will be up to you to fasten shutters properly before a storm, so choose a type you'll be able to handle, with or without help.